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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $13,256 | $83,090-84.0% | $130,062-89.8% | $71,529-81.5% |
| Participation rate | 13.6% | 74.1%-60.5pp | 78.5%-64.9pp | 67.9%-54.3pp |
| Annual return | 15.59% | 20.61%-5.0pp | -137.37%+153.0pp | 28.97%-13.4pp |
| Employer contribution / active EE | $0 | $2,624-100.0% | $4,322-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $928 | $4,436-79.1% | $5,821-84.1% | $4,291-78.4% |
| Admin fee / account holder | $1,607 | $1,727-6.9% | $10,601-84.8% | $1,588+1.2% |